Home Insurance ensures peace of mind when you are away from home. In the unfortunate event of a fire, burst pipe, theft, storm, flood etc., your home insurance cover will compensate you for these losses or damages.

Everything you would take with you if you were to move house would be classified as contents, while the rest of the structure plus all finishing works, fixtures and fittings (including fitted kitchens) would be classified as part of the building. For further information relating to the items covered under our building/contents cover, please refer to our policy document.

Contents: You need to consider all the possessions within your home, and how much it would cost to replace them with new ones today, except for clothing and linen which will be subject to deductions for wear and tear.

Buildings: The sum insured you choose must be enough to cover the cost of rebuilding your home including fixtures, fittings, interior decorations, boundary walls and the like (the market value of the land on which your house is built should not be included). You should also add on an extra amount to cover demolition costs, architects and surveyor’s fees.

New for old means that we will replace the item(s) you are claiming for with new ones of the same make & specification. The only exception is clothing and household linen.

Valuables are
- Coin, stamp, medal collections
- Paintings, pictures and other works of art
- Articles of gold, silver and other precious metals
- Jewellery, watches and furs

If Valuables exceed one third of the value of contents insured or €20,000 (which ever is the lower amount) then this amount should be specified. Any Valuables exceeding €2,500 should be specified and accompanied by a receipt/valuation if it exceeds €3,500

We can protect your possessions away from your home under our Personal Belongings Cover. This Section of our policy covers items that you take outside of your home on a daily basis such as jewellery, watches and cameras. Valuations are required for any single valuable item worth €750 and over.

We will automatically provide a basic level of accidental cover for both your buildings and contents insurance as follows:

- Buildings Insurance
Our standard cover includes accidental damage to underground pipes and cables, fixed glass, and sanitary fixtures and fittings (e.g. baths, shower trays, sinks etc...). By choosing our extra accidental damage for buildings option you can extend this cover to include accidental damage to the rest of your buildings provided that the Building is not over 25 years old.

- Contents Insurance
Our standard cover includes accidental damage to your radios, television sets (including digital set top boxes and satellite receivers) and computers, games, recording and audio equipment, mirrors and fixed glass. Your cover can be increased if you take out the Extra Accidental Damage cover. This extends the basic accidental damage to include cover for most contents and soft furnishings, like curtains and sofas for breakage and spillage e.g. if you spill a glass of red wine on your carpet you will be covered.

Your antiques and paintings can be valued at a local auction house or antique dealer and your silverware and jewellery can be valued at any certified Jeweller in Malta. We can also guide you on how to go about getting your property valued.

Yes, you will pay the first €50 of most claims.

Yes, we will cover you for any liability following loss of credit cards in Malta for up to €2,500.

Yes, we have a list of home security suppliers. For more information you can call us on 2343 5381.

In the event of loss, theft or malicious damage to your property, you must inform the Police within 24 hours of discovery and then notify our Claims Department on Telephone Number 2343 5375 and you will be guided accordingly.

We would require the completed claim form, technical reports, repair and replacement quotation(s), Third Party details etc. At initial stage, please make sure you give us as much information as possible and we will then guide you accordingly.

Yes, damaged items should be kept until we advise you to dispose of them.

You should preferably ask for a quotation and wait for our approval prior to authorising repairs. However, we understand that under abnormal circumstances a quick decision has to be taken.

In this respect, provided damaged items are kept and amount being claimed is reasonable, you should not find any difficulty being reimbursed.

With the best will in the world, concerns about some aspects of our service can occasionally arise. In such circumstances our staff have wide authority to settle problems and will do everything they can to help. This should be your first point of contact. If you are still not satisfied, please download the appropriate form. These documents guide you through our commitment to deal with your concerns promptly and fairly.